Advances in electronic communication have made it significantly easier for white-collar criminals to commit fraud. The crux of this point is based on the fact that virtually all aspects of electronic communication are stored and accessible to someone, somewhere. Anything a person does on the internet or via the telephone -- whether mobile or conventional phones -- is recorded and is able to be tracked. Thus, white-collar criminals simply need to gain access to this data since it is available in abundant amounts. Once they are able to access that data, they can successfully leverage relevant aspects of it to their advantage. For instance, they can take a credit card number and make purchases.

If I were a swindler I could use the increasing reliance on electronic communication to my advantage by breaching the secure information of a retail store such as Target and accessing credit cards, and using them...
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